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Question: Do you agree with idea "Bitcoin bank" ?
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Author Topic: Do you agree with idea "Bitcoin bank" ?  (Read 138962 times)
groll
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November 04, 2016, 02:23:08 AM
 #341

Recently, i often see discussion about Bitcoin Bank. More and more people come here and ask about bitcoin bank & surprisingly i see few user agree with this idea.
So, i would like to find out the percentage of user who agreed with this idea.

In my opinion, I dont really believe that bitcoin banks are a good idea. The main attribute of bitcoin is that it is decentralized, so creating banks for it would be counterintuitive.

However I do believe that making banks for bitcoin would attract a wider range of consumers to bitcoin that previosly did not want to join

I agree with your second point. Probably having bitcoin banks would improve it's usage and encourage more people to join the revolution. Hopefully this would be the case.

But that is quite risky for all the consumers and as well as the bank itself because they don't have power to control the price flow of bitcoin so if you are going to think about it, bitcoins in bank are some kinda not really their job. Just leave it to those online exchange and let them work for it, and banks are just for fiat, cash and loans.

Yeah i agree that banks have no control over the price flow of bitcoin and it's more safe for us to keep our bitcoins ourselves to avoid other fees imposed by those banks. Having bitcoins in a bank is somehow promoting bitcoins itself to all people and could be an encouraging move for all to join the trend in bitcoin.
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November 04, 2016, 06:07:47 AM
 #342

What i feel about bitcoin bank is that it's like gringotts bank. lol. harry potter reference here. But on a serious note, it's a good idea somehow if it is really established but I guess some might get really greedy and be evil like steal their bitcoins, you know.



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Rainbot
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November 04, 2016, 07:13:56 AM
 #343

What i feel about bitcoin bank is that it's like gringotts bank. lol. harry potter reference here. But on a serious note, it's a good idea somehow if it is really established but I guess some might get really greedy and be evil like steal their bitcoins, you know.

it is not just about trust and them not stealing your bitcoins. there may someday be a 100% trusted place where you can call bitcoin bank and fully trust. it is not making it any good though!
because it is about the fact that a bank is making things centralized again, and this is what we are trying to avoid in bitcoin. as long as you can have your own wallet and become your own bank there is absolutely no need for a bitcoin bank.

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November 04, 2016, 05:18:13 PM
 #344

Recently, i often see discussion about Bitcoin Bank. More and more people come here and ask about bitcoin bank & surprisingly i see few user agree with this idea.
So, i would like to find out the percentage of user who agreed with this idea.

In my opinion, I dont really believe that bitcoin banks are a good idea. The main attribute of bitcoin is that it is decentralized, so creating banks for it would be counterintuitive.

However I do believe that making banks for bitcoin would attract a wider range of consumers to bitcoin that previosly did not want to join

I agree with your second point. Probably having bitcoin banks would improve it's usage and encourage more people to join the revolution. Hopefully this would be the case.

But that is quite risky for all the consumers and as well as the bank itself because they don't have power to control the price flow of bitcoin so if you are going to think about it, bitcoins in bank are some kinda not really their job. Just leave it to those online exchange and let them work for it, and banks are just for fiat, cash and loans.
Any place in which you deposit your money and you no longer have control over it is in a way a bank, even if it does not offer the very same services like banks at the end of the day is a bank

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November 06, 2016, 06:06:37 PM
 #345

Probably having bitcoin banks would improve it's usage and encourage more people to join the revolution. Hopefully this would be the case.

if bitcoin bank appear the bitcoin will be more get popular and then i hope more people will be start to use bitcoin and then they can be easily use their bitcoin .

Nope. "Bitcoin banks", or just an exchange expanding its service by offering 'bank like' features, will not encourage people to start using their coins, or to jump into Bitcoin. It's a pointless thought. Especially when you consider that people are only interested in a so called Bitcoin bank, because it will allow them to generate interest. It's a financial benefit motive.

And if a so called Bitcoin bank will become reality, it will not even be close to what regular fiat banks are. It will just be a service that has been started up by someone thinking to have found a great and profitable business. The actual importance of this is zero. It's only important in the minds of rookies.

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November 06, 2016, 06:17:07 PM
 #346

bitcoin bank is good because there is many country they can not use bitcoin and they do not about bitcoin if bitcoin bank come in anywhere then bitcoin will be more useful in anywhere for any transaction so bitcoin bank is good for bitcoin.

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November 06, 2016, 06:21:46 PM
 #347

I do not see much of a difference, but I do not trust banks anyway therefore I prefer to keep all my money myself Wink
Keeping your money by yourself has a greater chance being stolen than inside a bank, even if you put it inside a safe/vault with experienced robbers it won't be any problem with them, also  why not trust banks? They don't still hour money anyway they just decrease its value over time.

In my experience, banks often set huge taxes on a wide range of things starting from "SMS fee" to the horrible fee of international bank transfer. In BTC, I know that I benefit from the fee that I pay because it will be used on executing the transaction and there are no additional fees.
SMS fee? You mean notifications that you can use to confirm that you're really wanting to send money from point A to point B? If so, then some banks do indeed charge you extra for it.

In my case I can only make use of 30 SMS notifications per month. If I want to expand that service, it will cost me €5 per month. Insanely high price of course, but I haven't used that service so far.

International bank transfers are slow and costly, but that's the reason for me to use Bitcoin instead of a bank.

The only negative point is that your transaction may end up losing some value in the meantime as result of the volatile nature of Bitcoin. But you have to accept that risk when sending money in form of Bitcoin.
In my country by sms fee mean when we deposit or withdraw or transfer our money from banks then we get an sms notification and for that sms notification we are charged some fees from our bank account. That is really a bad thing in banking system.


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November 06, 2016, 06:36:18 PM
 #348

no i do not agree with this i belive if banks came into bitcoin then it will slow down the whole system even more + it will ruin the privacy related stuff indirectly. banks have some rules which are not sutable with btc anyway

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November 06, 2016, 07:06:29 PM
 #349

I do not see much of a difference, but I do not trust banks anyway therefore I prefer to keep all my money myself Wink
Keeping your money by yourself has a greater chance being stolen than inside a bank, even if you put it inside a safe/vault with experienced robbers it won't be any problem with them, also  why not trust banks? They don't still hour money anyway they just decrease its value over time.

In my experience, banks often set huge taxes on a wide range of things starting from "SMS fee" to the horrible fee of international bank transfer. In BTC, I know that I benefit from the fee that I pay because it will be used on executing the transaction and there are no additional fees.
yes that is a fact but i think through this way bitcoin will become more stable.
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November 06, 2016, 07:33:35 PM
 #350

I do not see much of a difference, but I do not trust banks anyway therefore I prefer to keep all my money myself Wink
Keeping your money by yourself has a greater chance being stolen than inside a bank, even if you put it inside a safe/vault with experienced robbers it won't be any problem with them, also  why not trust banks? They don't still hour money anyway they just decrease its value over time.

In my experience, banks often set huge taxes on a wide range of things starting from "SMS fee" to the horrible fee of international bank transfer. In BTC, I know that I benefit from the fee that I pay because it will be used on executing the transaction and there are no additional fees.
SMS fee? You mean notifications that you can use to confirm that you're really wanting to send money from point A to point B? If so, then some banks do indeed charge you extra for it.

In my case I can only make use of 30 SMS notifications per month. If I want to expand that service, it will cost me €5 per month. Insanely high price of course, but I haven't used that service so far.

International bank transfers are slow and costly, but that's the reason for me to use Bitcoin instead of a bank.

The only negative point is that your transaction may end up losing some value in the meantime as result of the volatile nature of Bitcoin. But you have to accept that risk when sending money in form of Bitcoin.
In my country by sms fee mean when we deposit or withdraw or transfer our money from banks then we get an sms notification and for that sms notification we are charged some fees from our bank account. That is really a bad thing in banking system.
you got to love banks. they will always find a new way to get your money. they like to advertise big how low their prices are and once you are a customer a lot of extra fees appear. i bet we will have to pay an admission fee one day if we want to enter a bank. 

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November 06, 2016, 11:27:23 PM
 #351

That is a good idea that we have some banks for our bitcoin and we will save them at there it will guarantee that our bitcoins will be secured at these places but keep in mind one thing that the fees of these banks will be much higher for storing and for transactions etc.


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virtualkeybuyer
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November 06, 2016, 11:54:22 PM
 #352

That is a good idea that we have some banks for our bitcoin and we will save them at there it will guarantee that our bitcoins will be secured at these places but keep in mind one thing that the fees of these banks will be much higher for storing and for transactions etc.
But if banks will adopt bitcoin then they will give support to bitcoin and bitcoin will be more trusted all over the world and bitcoin will be a more powerful currency in the world and people will consider it a more reliable currency.


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Senor.Bla
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November 07, 2016, 06:07:14 AM
 #353

That is a good idea that we have some banks for our bitcoin and we will save them at there it will guarantee that our bitcoins will be secured at these places but keep in mind one thing that the fees of these banks will be much higher for storing and for transactions etc.
i am not sure if you get the whole idea of bitcoin. we do not want them to have our money. the only thing they can guarantee you is that they take your money. banks get robbed and hacked and if a bank says it can guarantee me safety i would run as fast as i can. 

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November 07, 2016, 07:29:45 AM
 #354

After all, crypto currencies, especially Bitcoin is highly decentralized to have your own bank. Well, we call it hardware wallet. People are using online wallets like coinbase because they're too lazy to have their own hardware wallets. Otherwise, I'm not favourable to centralize the crypto currency. Wink
i think through this way bitcoin is not going to b centralize, it can only give support to bitcoin, as we use online wallet which are not so much secure, by using banks our wallets will become more secure therefore i am in favour of bitcoin banks, which are we expecting in future.
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November 07, 2016, 07:45:58 AM
 #355

I voted yes based on the fact that I want to believe its going to add interest to my balance aside that then there wont be any difference between the online wallets that we have now, and those "bank" that are intending  to come. Also another concern is the security of my funds and who will do the regulation, who will insure the funds incase it was hacked? Who will be responsible among other factors embedded in such decisions.

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November 07, 2016, 09:08:28 AM
 #356

Absolute not,BTC is supposed to be a decentralised currency .depositing it in a bank will risk your privacy and banks can steal all your BTC
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November 07, 2016, 09:12:41 AM
 #357

Any place in which you deposit your money and you no longer have control over it is in a way a bank, even if it does not offer the very same services like banks at the end of the day is a bank

That is why the issue here is trust and since there are institutions that offer same services like a bank like the online wallet but of course it does not offers other services like interest rate a etc. People wants freedom from banks with their money where they can spend like actual fiat anytime,anywhere whatever the situation.

BitcoinPC
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November 08, 2016, 04:11:13 AM
 #358

Absolute not,BTC is supposed to be a decentralised currency .depositing it in a bank will risk your privacy and banks can steal all your BTC

Well, I also say NO, because bitcoin no need bank, we can hold our bitcoin, and when we hold our bitcoin than automatically its price increasing and we can call that is our profit, So if we deposit our bitcoins into bitcoin bank.
How can they manege it? because both have a same way if we save our bitcoin or bank safe our bitcoin, what the different between each other.
Because we safe our fiat currency into bank because bank give us profit from our amount, but when we already make profit from our bitcoin, So i don't think that we need a bitcoin bank.

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November 08, 2016, 04:52:15 AM
 #359

Absolute not,BTC is supposed to be a decentralised currency .depositing it in a bank will risk your privacy and banks can steal all your BTC

Well, I also say NO, because bitcoin no need bank, we can hold our bitcoin, and when we hold our bitcoin than automatically its price increasing and we can call that is our profit, So if we deposit our bitcoins into bitcoin bank.
How can they manege it? because both have a same way if we save our bitcoin or bank safe our bitcoin, what the different between each other.
Because we safe our fiat currency into bank because bank give us profit from our amount, but when we already make profit from our bitcoin, So i don't think that we need a bitcoin bank.

Yes, not having an institution such as a bank is completely alright for bitcoin because it is decentralised in nature and doesn’t need any support of the institution.
But having a bank would work as a win-win for us because institutions like a bank can bring more focus on this technology and push the bitcoin movement forward. Bank can attract the common man to use bitcoin and thus it will strengthen our community. I am not saying the there should be bank to operate whole bitcoin transactions but for those who can’t use bitcoin at this moment.

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November 08, 2016, 05:14:12 AM
 #360

Having own Bitcoin wallets is itself a personal bank which can be used to store, receive or send BTC to any bitcoin user globally, as well as bitcoin is P2p currency based on decentralized platform. So No one control it. If Bank consider to use blockchain technology for better administration then its always welcome but Bitcoin bank with centralized services can make lots of misleads to entire bitcoin network, also can harm to user by privacy control and security issues.

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